50 State Coverage

Car Accident Help By State

Every state has different insurance laws, fault systems, and deadlines. Find your state below to understand your rights and options after a car accident.

38
At-Fault States
9
No-Fault States
3
Choice States
5
Contributory Negligence

Select Your State

Click on your state to view detailed information about insurance requirements, fault systems, statute of limitations, and more.

Northeast

Connecticut

CT
At-Fault
2 years25/50/25

Delaware

DE
At-Fault
2 years25/50/10 + $15k PIP

Maine

ME
At-Fault
6 years50/100/25

Maryland

MD
At-Fault
3 years30/60/15 + $2.5k PIP
Contributory Negligence

Massachusetts

MA
No-Fault
3 years20/40/5 + $8k PIP

New Hampshire

NH
At-Fault
3 years25/50/25 (not required)

New Jersey

NJ
Choice
2 years15/30/5 + $15k PIP

New York

NY
No-Fault
3 years25/50/10 + $50k PIP

Pennsylvania

PA
Choice
2 years15/30/5 + $5k PIP

Rhode Island

RI
At-Fault
3 years25/50/25

Vermont

VT
At-Fault
3 years25/50/10

Southeast

Alabama

AL
At-Fault
2 years25/50/25
Contributory Negligence

Arkansas

AR
At-Fault
3 years25/50/25

Florida

FL
No-Fault
4 years$10k PIP + $10k PDL

Georgia

GA
At-Fault
2 years25/50/25

Kentucky

KY
Choice
1 year25/50/25 + $10k PIP

Louisiana

LA
At-Fault
1 year15/30/25

Mississippi

MS
At-Fault
3 years25/50/25

North Carolina

NC
At-Fault
3 years30/60/25
Contributory Negligence

South Carolina

SC
At-Fault
3 years25/50/25

Tennessee

TN
At-Fault
1 year25/50/15

Virginia

VA
At-Fault
2 years30/60/20
Contributory Negligence

West Virginia

WV
At-Fault
2 years25/50/25

Midwest

Illinois

IL
At-Fault
2 years25/50/20

Indiana

IN
At-Fault
2 years25/50/25

Iowa

IA
At-Fault
2 years20/40/15

Kansas

KS
No-Fault
2 years25/50/25 + $4.5k PIP

Michigan

MI
No-Fault
3 years250/500/10 + PIP (varies)

Minnesota

MN
No-Fault
6 years30/60/10 + $40k PIP

Missouri

MO
At-Fault
5 years25/50/25

Nebraska

NE
At-Fault
4 years25/50/25

North Dakota

ND
No-Fault
6 years25/50/25 + $30k PIP

Ohio

OH
At-Fault
2 years25/50/25

South Dakota

SD
At-Fault
3 years25/50/25

Wisconsin

WI
At-Fault
3 years25/50/10

Southwest

Arizona

AZ
At-Fault
2 years25/50/15

New Mexico

NM
At-Fault
3 years25/50/10

Oklahoma

OK
At-Fault
2 years25/50/25

Texas

TX
At-Fault
2 years30/60/25

West

Alaska

AK
At-Fault
2 years50/100/25

California

CA
At-Fault
2 years15/30/5

Colorado

CO
At-Fault
3 years25/50/15

Hawaii

HI
No-Fault
2 years20/40/10 + $10k PIP

Idaho

ID
At-Fault
2 years25/50/15

Montana

MT
At-Fault
3 years25/50/20

Nevada

NV
At-Fault
2 years25/50/20

Oregon

OR
At-Fault
2 years25/50/20 + $15k PIP

Utah

UT
No-Fault
4 years25/65/15 + $3k PIP

Washington

WA
At-Fault
3 years25/50/10 + $10k PIP

Wyoming

WY
At-Fault
4 years25/50/20

Understanding State Insurance Systems

At-Fault States

In at-fault (tort) states, the driver who caused the accident is responsible for paying damages. You can file a claim against their insurance or sue them directly.

  • • File claim with at-fault driver's insurance
  • • Can sue for full damages including pain & suffering
  • • Fault determination is critical

No-Fault States

In no-fault states, your own insurance (PIP) pays for your medical bills and lost wages regardless of who caused the accident. Lawsuits are limited.

  • • Your PIP coverage pays first
  • • Faster compensation, less litigation
  • • Can only sue if injuries meet threshold

Choice States

Choice states let you select between no-fault coverage or traditional at-fault coverage when you purchase your policy.

  • • Choose your coverage type
  • • Different premiums and rights
  • • Kentucky, New Jersey, Pennsylvania

Warning: Contributory Negligence States

If you're in Alabama, Maryland, North Carolina, Virginia, or Washington D.C., be aware that these jurisdictions follow pure contributory negligence rules. This means if you're found even 1% at fault for the accident, you may be completely barred from recovering any compensation.

In these states, documenting that you were not at fault is especially critical. Consider consulting with an attorney early in the process.

No-Fault Insurance States

Florida

PIP: $10,000

Hawaii

PIP: $10,000

Kansas

PIP: $4,500

Massachusetts

PIP: $8,000

Michigan

PIP: $50,000

Minnesota

PIP: $40,000

New York

PIP: $50,000

North Dakota

PIP: $30,000

Utah

PIP: $3,000

Not Sure Where to Start?

Our AI Damage Analyzer can help you understand your accident regardless of which state you're in.

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